| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $21K | — | $21K | 1.82% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $18K | — | $18K | 1.82% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HARVARD PILGRIM HEALTH CARE | $17K | — | $17K | 1.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $5K | $49K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 75 ARLINGTON STREET, FLOOR 10 BOSTON, MA 02116 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $10K | — | $10K | 4.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 800 BOYLSTON STREET, SUITE 600 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $610 | $8K | 16.25% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $76 | — | $76 | 1.98% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH STREET #900 KANSAS CITY, MO 64112 | HPHC INSURANCE COMPANY | $67 | — | $67 | 1.83% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 390 | $239K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $481K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $432K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.